As an employee, you have an opportunity to receive a significant refund of the Income Tax you paid through the PAYE system in 2014. This refund can be achieved through off-setting certain personal retirement saving/pension contributions made by you before 31 October 2015 against your Income Tax payments made in 2014. An extended deadline of 12 November 2015 also applies if you qualify to file and pay using Revenue Online Service.

Making a pension contribution can be a very tax-efficient way for you to save for your retirement, with relief of up to 41% available against Income Tax paid in 2014. And, there are some very attractive features regarding how your pension capital can be used at retirement.

I would very much like to discuss with you how you might avail of these opportunities and to discuss your existing retirement funding position and perhaps we may be able to arrange an appointment to discuss your needs in this area in greater detail.

Yours sincerely

Philip Cullen QFA, RPA

P.S. Why pay more tax than you need to?